CARCHEX

But I did not end up buying the car that I was going to look at and I told the guy that we were still searching. He was so nice and told me that he would check back in on me. He called me back and asked if I had found a car. I still haven't yet. I wanted a convertible bug. It's a 2013 with 49,000 miles on it. The guy called again and by then, I told him we were getting the car that day and if he were to call me in the afternoon, we would talk. I told him my needs and my wants. He was going through it and he said 30,000 miles would come first. I couldn't do that because I put 30,000 miles on my car in a year. That was not going to be a three-year warranty for me. That was gonna be a one-year warranty.

But the guy was so thorough and was one of the best as far as dealing with anybody on the phone. He explained the differences like “I’m gonna put you on this. Your deductible will go down, but you're gonna lose some of your coverage. We’re going with a longer warranty.” In the end, I got the 100,000-mile three-year warranty. My car is covered until 150,000 miles and I couldn't believe it.

I checked with the Better Business Bureau and CARCHEX has an A rating with them. I checked out some of the reviews and what people were saying about them. I had seen that the CARCHEX is rated number one right now as far as car warranties. I felt very confident in my purchase. I also asked the guy if we could get the service cheaper if we were to pay all at once. We saved about $800.

I was not with my husband when I was making these decisions and I told the guy that. He said he would make it easier for me. He said he would put me down where I would only get charged as if I paid the policy in one payment. But they would set it up on six payments at 444, which was fine. Now, I have this nice car with a 100,000-mile warranty on it and it's paid for.

I was very satisfied with the customer service and with what I hope to get as the product. My mechanic told me that car warranties are great but sometimes they would screw you. They would send somebody out and would want the mechanic to tear the motor down completely. They would then say, "Well you didn't change the oil like you were supposed to. This is neglect." The motor's on the floor but the warranty company would not pay for it. I realize that there are things that may come along with the warranty but if I get what I was told for the cost that I was told, I will be extremely satisfied.

The protection specialist was a good guy. I asked a lot of questions like what doesn't the warranty cover. He explained to me everything that wasn't covered, so that way, I could make sure I got the right plan that was appropriate for what I was trying to do. He answered any questions, gave me his number, and sent out information the same day. He was very helpful. The thing that dragged customer service down for me, and it was partially my fault, was I called later in the day. A lot of times, I don't get off work before 5:00 or 6:00 so I called around the time it was five and a half hours before they closed and they bounced me around so much. They hung up on me twice. I’m attributing that to people who were leaving early, and they had a lack of representatives to handle calls, ‘cause the next day when I called back, there wasn't any of that stuff going on.

Having this warranty is very valuable to me. I have a couple of friends that had this car and they’ve told me that when getting a small repair, it gets very costly. A repair could be $1,200 to $1,500 for just a basic one. So, to pay for $2,500 for a warranty that’ll last five years is pretty good. Just knowing that when I’m riding down the road, if anything happens, I can choose the warranty shop of my choice and I don't have to wait till something breaks completely down. If I notice any noise or anything that’s abnormal, I can take it in and CARCHEX will cover it. They're a great company and they’re customer service-oriented. I had a bad experience, but it was quickly rectified. As long as their customer service is good, they'll be around for a little while.

When they called, I was listening what they said and they said something different from what I’ve already researched. The rep told me a little bit about the program and what’s going on with it. What he said was right from what he told me about and from my past experiences dealing with matters like this. They got a plan. He took my information and then he came back with an email the next day saying, “Hey. We’ve got this plan. Have you reviewed it?” I haven’t even had a chance to review it yet. But I reviewed it online what those different plans were so I had an idea. The rep said it would be X amount of dollars per month and that was it. It sounded like a good plan to me.

The only thing I don’t like about dealing with any type of extended warranty type plan is that there’s a certain criteria you have to follow. For instance, you have to get the vehicle checked out, keep all the records for it. But there’s still a little leeway there that they could wiggle out of it and not pay you and I’ve heard these disasters in the past. I just got my pamphlet in the mail and I read over a little bit of it. But I haven’t gone through all the legalities of what they’re talking about. The plan could be a little cheaper. But having a bumper-to-bumper type coverage is one of the most important things you can have, especially for a used vehicle.

Other than that, the first payment came out but I haven't gotten a contract. So, that's got me a little concerned. But if they're gonna play games, then I'll just cancel and go with somebody else. I also had to ask their rep at the end of my conversation with him if it was okay to cancel this contract at any time and he said I could cancel at any time. But it the salesperson didn't offer that up. I asked him straight out. All in all, it was an okay experience, though I wouldn't say it was great because they sold me the top thing without being upfront about my other options. The Titanium package was over 3,000 and that's pretty high. But the coverage is there, it is excellent, and I feel comfortable about it. The term is great as well. At the same time, I know that I overpaid for warranty and that I didn't receive all the information from CARCHEX. And I probably should have asked for that, so it was on me as a consumer.

Purchasing the policy was pretty easy. The rep was suggesting I buy the Silver Plan, instead of the Platinum or Gold plan. It was $1,000 more. I read through all the coverages and I went over it with them. I had a bunch of questions about and I verified something about the fuel pump. I asked them if it covers the two fuel pumps on the truck, and they said yes. I asked if I could get that in writing and the rep said that our conversation was recorded and that it was verified. I don’t know how long they keep those voice recordings. But it seemed like they were doing their best to try to get me a good plan.

When I read through all the benefits of the higher plan, it was kinda interesting. With the lower-priced plan, it included the injectors in the fuel system, which was part of that repair that I had to have done, whereas the higher dollar plan included pretty much everything else except the fuel injectors themselves. All modern transmissions are controlled electronically. And the higher-priced plan covered all the electronics like the navigation system, the Bluetooth stuff, and the electric switches. It covered more on the transmission. They have a $15,000 payout on it because it covered all the different suspension parts as well.

I called Ken the other day because my boyfriend was purchasing a car from a used dealership and they don't give an extended warranty. The first time I called, I spoke to a receptionist then he transferred me over. He told me Ken wasn't there but he would leave a message and Ken would call me back. He called me back the next day so it was pleasant. Ken gave me a quote and explained to me what was covered. He was very detailed in his explanation and helped me feel comfortable with what he was telling me. I'm very satisfied with the information and how Ken explained everything to me as well as all the details he gave me about the insurance. Having a vehicle protection plan is very valuable because you never know what can happen. I've been bragging about Carchex and I speak very highly of them. I even recommend to others getting an extended warranty and how they should call Carchex and ask.

Once I got the policy set up, Carchex's website to pay was user-friendly and it allowed me to set up extra options for those going through the process. It wasn't very confusing. Having the extended warranty is priceless at this point. It was $11,000 to fix the car the day after I bought the warranty. The car is actually in the shop now. It broke the day after I called Carchex. There's a waiting period and it's not like I can do anything. But overall, Carchex is wonderful. They are nice, easy to deal with, and painless. Their price was right too.